I grade the note essential a really crisp AU or MS. The story of the acquisition of the note can be read in my blog post A Glimpse into a Coin Deal and the envelope comes with the note. This is a really common note from a common bank, but the quality of the note, the envelope and the story make a great package. I didn't have the heart to have it certified as that would add nothing to the note and would likely separate it from its history forever. Sold